Claim Coverage
Explore detailed reviews about the claims process and coverage provided by pet insurance companies. See how quickly claims are approved, what’s actually covered, and how satisfied pet parents are with reimbursements.
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Compassionate company
Customer service was wonderful with all my questions and they covered Violet’s emergency visit without any issues. I was already very stressed and nervous and they just took one stress right off my mind.
Insurer: Pumpkin
By: Tracy
Mandy
"I adopted Mandy when she was a year and a half. I never took insurance out before on a dog, but due to her size I thought it was a good idea because of things that can happen to large dogs, hip dysplasia, ACL, etc. Then my precious Great Pyrenees at the tender age of 4 1/2 developed Mast Cell Cancer. We went through four different chemo cocktails trying to stall the growth, but lost the battle 6 months after her diagnosis. The insurance was a god send for us. Don't know how we could have afforded all the treatment she needed. The claim process was very easy and claims were paid quickly. I will absolutely use your company again when I am lucky enough to find the next love of my life. "
The prices were much better than my…
The prices were much better than my previous coverage. Their reimbursement stunk. One of my claims were $1306 and they only reimbursed me $192. Yours has more coverage as well
Insurer: Prudent Pet
By: Barbara Stagg -Vaughan
You guys are great!
You guys are great! Very timely claims processing and very helpful with any questions I had.
Insurer: Pumpkin
By: customer
BEWARE OF HEALTHY PAWS!
BEWARE OF HEALTHY PAWS! After 9 years of loyalty and paying their ever escalating premiums, they decided with a 60 days notice stating 8/1/25 ALL dogs 7 years plus received a 40% reduction in coverage, my deductible went from $100 to $1,000. Basically it is now health catastrophe insurance. They do not cover wellness Had I had known this I would’ve started my puppy with another insurance company that’s more solid like Embrace. I realize these newer companies start you off on a low premium with great deductibles and coverage and then all of a sudden either drop you totally or drastically reduce the benefits, upping the premiums and upping the deductible by 1000%. Now I can’t switch him because he has pre-existing conditions so I’m stuck with a high premium $1000 deductible and a 50% coverage. Go on Reddit, FB etc. and you see people’s reviews. This new policy just happened August 2025. BEWARE OF HEALTHY PAWS
Insurer: Healthy Paws
By: Tristan
Read EVERY single fine print…
Read EVERY single fine print down to every letter and each punctuation point. This company has been the worst not only when it comes to cost, but their lack of empathy, their unwillingness to cover anything EVEN if the diagnosis ties into something it pet is currently being treated for, they will take the cowards way out to tie it back to something and call it “pre-existing”
Insurer: Embrace
By: Unapologetically me
Nationwide--my go-to for pet protection!
I have insured my pets with Nationwide since I lived in California. In 1991 when I moved to Massachusetts (to marry), I called to insure my next pet, but had to wait until Nationwide became licensed in Massachusetts. They contacted me when licensed and the rest is history! I just enrolled our fourth dog in 33 years! Nationwide is my go-to company to best protect our beloved pets!
Insurer: Nationwide
By: Marcia S
Never I would trust Nationwide
I had nationwide since my english bulldog was a puppy. It was doing well until September 2024, when they sent me a letter of reducing the benefits from my policy. Sad enough for me because my boy was 9yrs old that time. I had 90% back and $500 deductible, they reduced to 50% back. It was bad enough because of my dog's age despite of the yearly increase that it came to a point of paying almost $300 per month I got them from my work thru payroll deduction. They do not care on pet's health as they get old, where they were needed most. I called them but they could not give me a good reason, and I only used them when needed or in an emergency situations. I would say " never to believe and trust them, they will leave you when you most need them".
Insurer: Nationwide
By: Annie
The claim system is very easy to use
The claim system is very easy to use. Upload the invoice via the app and it’s only 3 steps from start to finish.
Insurer: MetLife
By: customer
Quick turnaround on a claim
Quick turnaround on a claim. Thank you Enbrace
Insurer: Embrace
By: Louie's Mom